AnswerAt age 27 with $150k income, the median US net worth is $113,000. The 75th percentile is $267,000. You can see where you rank below.
Median: $113,000 · 75th percentile: $267,000
Source: Federal Reserve Survey of Consumer Finances, 2025 data (released Oct 2026), computed from public microdata
Am I behind at age 27 on $150k?
Median net worth for US households age 27 earning $150k is $113,000; top 10% starts at $403,000. Computed from the Federal Reserve's 2025 Survey of Consumer Finances.
At 27 in the $100,000 to $200,000 income tier, the median net worth is $113,000 in SCF 2025, about 0.8x of a $150,000 income, and the top quarter is above a full year of income at $267,000. This tier typically means a senior individual contributor, a finance professional, or a dual-income couple, and it is where savings start to build visibly.
Your numbers
Peer group: age under 35 · $100,000 – $200,000Your $113,000 ranks ahead of 50% of US households age under 35 earning $100,000 – $200,000.
Another $290,000 in net worth would put you in the top 10% for your peer group.
How this number is calculated
We look up your age and income in the Federal Reserve's 2025 Survey of Consumer Finances (the most recent SCF, released Oct 2026), then interpolate your position between 25th/50th/75th/90th/99th percentile breakpoints for that age×income cell. The Fed does not publish those cells, so we compute them from its public microdata. Figures are in 2025 USD, and cells with few sampled families are noisy. Households with similar age and income show meaningful net-worth variance — the percentile reflects how your balance sheet compares to theirs, not to the full US population.
What these numbers mean for age 27, $150k
Compared with age 25, a household at 27 has had more time for retirement matches to vest, for a starter home to gain value, and for a taxable investment account to start. The median of $113,000 is a bit below the one-times-salary-by-30 guideline, which refers to retirement savings, while the 75th percentile of $267,000 is already above one year of income. A quarter of households hold $47,000 or less. The numbers cover the whole under-35 group, and a 27-year-old sits nearer its middle.
Reaching the 75th percentile or the 90th of $403,000 usually takes more than saving alone. It often combines an early home purchase that gained value, stock compensation, and a high savings rate kept up for several years. As an illustration, saving 20% of $150,000 ($30,000 a year) at a 7% real return builds to about $172,500 in five years. Dual-income couples can reach the upper ranges by combining two salaries, even without family help.
The 99th percentile of $1.08M is not reachable through wages at this age. It reflects founder equity, large payouts, or inherited wealth, and this cell is based on a moderate sample, so the tail is approximate. The more useful comparison is with the median of $33,000 for all under-35 households, which is well below the median here. Staying consistent matters more than any single year. This is educational context, not financial advice.
Benchmarks for age 27, $150k
Source: Federal Reserve Survey of Consumer Finances, 2025 (released October 9, 2026); cells computed from public microdata. Figures in 2025 USD. Cells built on fewer than about 100 sampled families are noisy. Your seeded percentile if net worth equals the median for this cell: 50th.
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Frequently asked questions
What does a realistic five-year saving plan look like at $150,000?
One illustration is saving 20% of income, $30,000 a year, in a mix of employer plan, IRA, and taxable accounts. At a 7% real return that builds to roughly $172,500 over five years on top of what is already saved. Actual results depend on returns, raises, and interruptions, so this is a sizing exercise, not a forecast.
Is a 27-year-old at this income more likely single or partnered?
Both are common, since the survey measures household income. A single high earner in a field such as technology, finance, or engineering and a couple earning $75,000 each fall in the same tier. The net worth figures include everything the household owns and owes, so a partner's assets and debts are part of the picture.
Does a mega backdoor Roth fit at this income?
Only if the employer plan allows after-tax contributions and in-service conversions, and only after the simpler steps such as the match, the regular employee limit, and an IRA. It can move more money into Roth space over a long horizon, but plan rules and tax details vary, so check your plan documents. This is not advice.
Should I pay down a mortgage early or invest the extra?
It turns on the mortgage rate compared with the returns you might reasonably expect, your risk comfort, and whether you are already capturing any employer match. Many households do both in some mix. A guaranteed saving from extra principal is certain, while market returns are not.
Does buying a home change where I rank?
Home equity counts toward net worth, so a down payment moves money from cash into equity. Closing costs and moving expenses can lower net worth at first, and leverage means a price drop affects the balance sheet. Over several years of paying down the loan equity grows, which is one route up the percentile ladder.
Is investing in a friend's startup a smart move at this stage?
Generally only with money you can afford to lose entirely. Such stakes are concentrated, hard to sell, and often lose value. At this income most people build wealth more reliably with diversified investing in tax-advantaged accounts first. This is general education, not personal advice.
Methodology & data sources
Calculations on this page use benchmarks from US federal statistical agencies. Percentile breakpoints are interpolated linearly between tabulated cells. Figures are in the dollars of each dataset's reference year unless noted. Numbers are educational estimates, not personalized financial advice.
Net worth figures come from the Federal Reserve SCF 2025 (2025 dollars). Age medians match the Fed's published tables; the age × income cells are computed from the public microdata, and cells with fewer than about 100 sampled families are noisy. Full methodology.